But if you were to just indulge me for a second to think about What do you think is going through Rachel Reeves' mind when she's engaging with this issue?

Well, I mean, this is a spectacularly difficult thing to unpack.

So I end up having to go back in time to answer this question, right? But broadly, it works like this.

So here we are in 2010.

The coalition government comes in.

And for the third time in three decades, the higher education sector is expanding and has run out of money.

And what we did in the 90s and the noughties was transfer a bit of the cost onto graduates.

So thinking about When students are at university, how can they actually afford to live whilst they're there? And so I suppose if you could talk about the decline in the end of maintenance grants and then also some of the issues around maintenance loans that students are able to take out and whether students can actually afford to provide for themselves whilst they're studying at university.